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Home » Personal Banking » Credit Card » Platinum Visa
Credit Cards is rated 4.1667 out of 5 by 30.
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Worldwide Convenience. Added Value. Options to Meet Your Needs.

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Features:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Visa Platinum card

MyRewards Visa

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else
  • Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity.
    Learn More About CURewards
Features:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our MyRewards Visa card

Educator Visa

Carry the card created with educators in mind.

Features:

Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County,  Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.
*APR=Annual Percentage Rate. Introductory rate is applicable to purchases only during the first 12 months after your account is open. After the twelfth billing cycle your rate will adjust to your standard variable rate, which may adjust quarterly based on the Prime Rate. Refer to the Visa® disclosure for complete details.
**By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply.
† Balance Transfer Fees may apply during promotional periods.


View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Educator Visa card

Student Visa

This fixed rate card with credit lines up to $1,500 is a great choice for students looking to build credit.

Features:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Student Visa card

Mason Alumni Visa

As the official banking partner of George Mason University, we are proud to offer the Apple Federal Credit Union Mason Alumni Visa® Credit Card. Get the spending power you want and the benefits you deserve with a low, variable-rate credit card from Apple FCU.

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else

Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity (including the GMU Alumni Association). Learn More About CURewards

Features

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5)). Refer to the Mason Alumni Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Mason Alumni Visa card

Credit Builder Visa

Our Credit Builder Visa is great to establish or rebuild credit because this type of card is secured by the funds you have on deposit with Apple.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package | Apple Pay FAQs
Ask a Question about our Credit Builder Visa card
Card Type APR as low as* Conditions  
Visa Platinum 5.74 % Up to $35,000 DisclosureAgreement
MyRewards Visa 10.74 % Up to $35,000 DisclosureAgreement
Educator Visa ** 5.74 % Up to $35,000 DisclosureAgreement
Student Visa 9.90 % Up to $1,500 DisclosureAgreement
Mason Alumni Visa 10.99 % Up to $35,000 DisclosureAgreement
Credit Builder Visa 5.74 % Up to $5,000 DisclosureAgreement

*APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.

**3.99% Introductory APR for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be 5.74% to 18.00% based on your creditworthiness. APR varies with the market based on the Prime Rate.

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods.

Rated 1 out of 5 by from replacement card delays It has been almost two months waiting for a replacement card,because my card was hacked and blocked. Worst replacement card services I have ever faced.
Date published: 2015-05-17
Rated 5 out of 5 by from Help me built my credit within 1year I love apple federal credit union! I remember trying to apply for credit cards to help me built my credit since I had none at the age of 19 years old. Nobody wills give me credit cards in till apple help me and started me off with $300 (which might not seem like a lot but I just wanted to built my credit ) with in 1 year I had a huge account increase and total of 6 credit cards. I use them all wisely and only for wmegenecies. Interest was bit high start but when I got my account increase amount my interest lower as well. I would this bank, they are very helpful and easy to talk to. You can even design your own image on the credit card. I been with them for 3-4 years and have zero complains !
Date published: 2015-05-17
Rated 5 out of 5 by from One way ticket to freedom The opportunity that this Visa card through Apple Federal Credit Union has provided me is the reason that today, I am financially free. Not only did AFCU allow me to establish good credit with this card but after a year, they gave me an unsecured Visa card, returned my initial deposit of $500.00, and gave me a car loan. I now have the freedom to pick and choose credit cards and I owe it all to you guys. Thanks for giving me a chance when no one else would.
Date published: 2015-05-18
Rated 5 out of 5 by from AFCU Exceeds all Expectations in Banking AFCU has (by far) exceeded my expectations when it comes to banking. I recently opened a Platinum Visa card with AFCU in order to consolidate and I must say that I am extremely happy and satisfied with the level of customer service I received during this process. I've been satisfied with the rates and overall ease of banking with AFCU. I will be purchasing a home (first time buyer) soon, and I am looking forward to speaking with the member services team for assistance! AFCU truly is the best there is and I am proud to be a member!!!
Date published: 2015-05-08
Rated 5 out of 5 by from Best Credit Card Out There Was the easiest card to apply for I went on sight requested the amount I wanted and had a decision in seconds. Also anytime I have had to call they figure the problem out and make sure you are satisfied before ending the call. Just the best bank I have ever dealt with.
Date published: 2015-05-18
Rated 5 out of 5 by from Best Customer Service I recently consolidated my cc to a Platinum card with Apple. Hazzell Siano was the Apple Representative who took me through the process. Miss Siano was a true professional throughout the process. Her knowledge, understanding of my needs and willingness to help made this one of the best experiences I have had with a Credit Union. I hope Apple values her as an employee as I did. The card itself will save me $100s and $100s in interest. I highly recommend.
Date published: 2015-05-06
Rated 1 out of 5 by from Worlds worst credit cards These cards are not easy to use. The website is not intuitive or user friendly. Poor customer service. You have to monitor your payments closely as they make it as difficult as possible. You are on your own with this card. I don't think you can set up automatic payments and you can not make transfers directly from your apple account. This card is not seem less. There are so many excellent credit cards out there. Pass this one by.
Date published: 2015-05-16
Rated 5 out of 5 by from Easy to Use With Minimal Worries I use my credit card for most purchases. AFCU makes it easy to work with my credit card: easy on-line transfer of payment, works with my quicken account with easy download of of transactions. A major plus is that AFCU has "caught" bogus charges very quickly, and when I have caught those charges AFCU employees have worked with me to file the proper paperwork and have quickly replaced my credit card.
Date published: 2015-07-22
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Does your secured credit card report to credit bureaus as "secured" or report just  like a regular unsecured account account? does it graduate to an unsecured account

Asked by: RichRERREWEW
Thanks for your questions! First, yes, Secured Cards do report as secured credit to the bureaus. Secondly, they do not automatically "graduate" into an unsecured product. Should you wish to move on to an unsecured product, you would have to apply for that new type. Once eligibility is determined resulting in issuance of a new Unsecured Card, it would be separate from the Secured Card, but the new Unsecured Card retains all the history built on the Secured card. The credit report will process the change from Secured to Unsecured as an upgrade. Hope that helps! To apply for an Apple Visa Credit Card today, please visit AppleFCU.org/Visa. Thanks!
Answered by: AppleFCU
Date published: 2015-07-22

Does apple conduct a credit check when applying for a secured credit card

Asked by: Roax
Yes, we will review your credit report prior to issuing a credit card, be it secured or unsecured. If you have further questions, please feel free to speak to one of our Member Service Representatives at 703-788-4800 or in any branch. They're at the ready to help!
Answered by: AppleFCU
Date published: 2015-07-22

IS THERE A INITIAL DEPOSIT THAT I WOULD HAVE TO MAKE TO GET THIS CREDIT CARD?

Asked by: CARLOS
The only Credit Card that requires an initial deposit to open is the Apple FCU Credit Builder Visa Card. It's a secured card, meaning the available limit is held on deposit for that Card.
Answered by: AppleFCU
Date published: 2015-07-13

What if any are the foreign fee transactions  on the Educator Visa card?

Asked by: Sarah
There are no Foreign Transaction fees on any Apple Visa Credit Card at this time - a significant benefit over other cards! For complete fee details, visit: https://www.applefcu.org/Content/docs/disclosures/Disclosure_VisaPlatinum.pdf.
Answered by: AppleFCU
Date published: 2015-07-01

Is this card reported to all 3 credit bureaus?

Asked by: JamesAtWork
Yes, Apple FCU Credit Cards are reported to all three bureaus.
Answered by: AppleFCU
Date published: 2015-06-25

Regarding the credit builder credit card, how long am I allowed to have this card? Also, if I get the credit builder card and decide I want to switch to a visa platinum card, will my account and credit still be linked to my new card? Thank you. 

Asked by: Jhotter
Thanks for your interest in our Credit Builder Card! You are able to retain this card as long as you like, provided the funds securing it stay on deposit. And yes, should you decide to switch to a regular Apple FCU Visa Platinum, your account's credit history remains. Additionally, the secured funds would be released for your use, or can be applied to your card balance at the time, if any. If you'd like to apply, call 703-788-4800, visit any branch or visit AppleFCU.org/Apply!
Answered by: AppleFCU
Date published: 2015-06-23

Hello. What are the qualifications to qualify for this credit card?

Asked by: Zimzim93
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